What Is Covered In The Premises And Operations Liability?

Posted February 3rd, 2021 by .

Categories: Premises Liability.

Property owners have a duty to ensure the safety of everyone inside their premises. When accidents occur, causing bodily harm or property damage, the owner can be sued by the customer for compensation. Therefore, owners have what is called premises and operations liability insurance to take care of such claims. You should know that there is a policy that protects you the next time you slip and fall in a building due to the negligence of another party. A Hudson County Personal Injury Attorney walks with you and gives the necessary council to secure your compensation. Call for legal representation today.

What is included in premise coverage?

Premise coverage covers claims that result from injuries inside the owner’s property. For example, a restaurant owner will be held responsible for customers’ safety who enter their premises throughout the day. If anything happens due to their negligence, the customer can sue for compensation. Besides inside the building, the owner must also ensure the parking lot and the stairs are properly lighted to reduce the risk of an injury. A slip and fall accident is also included in the premises coverage. Often, visitors who enter a premise fall under one of the following categories:

  •       Invitee: An invitee could be a customer or any other person who has been asked to come into the owner’s property. By default, invitees presume that you have catered for their safety when inside your premises.
  •       Licensee: A licensee has not been invited but has a permit to enter your property. This category could be salespersons, delivery people, or utility workers. Licensees may not be fully aware of the hazards inside the premises.
  •       Trespasser: A trespasser is not invited, nor is he or she permitted to be inside your property. You are not liable for their safety.

What is included in the operations coverage?

Operations coverage covers bodily harm caused to people when you are carrying out your job. For example, you will be held responsible if you dropped a tool that injured someone when working as a plumber in a business you do not own. Additionally, you will be accountable if a repair you did eventually caused bodily harm to the customer.

A business may need both premises and operations liabilities if it operates in a building but occasionally takes its services outside to other clients. It has a duty for the safety of its customers both inside and outside the premises. 

Lawsuits regarding premises and operations liability

The plaintiff has the burden to prove that the accident occurred inside the owner’s premises, and there was negligence that contributed to the injury. The premises and operations liability policy will only pay for a lawsuit that has enough grounds. Otherwise, it will not pay.

Insurance companies will do all they can to pay less or avoid paying claims. Therefore, you need an attorney who will work with you until the full compensation is successful. Call a Hudson County Personal Injury Attorney today for aggressive and relentless legal representation throughout your case. With enough experience and a high success rate, The Law Offices of Anthony Carbone assure you of your desired outcome.

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